The cloaking works and will always work. For bad actors reporting a payment, you can use different payment accounts, for example: one for trusted users (from typical country for example) and one for risky users.
And some other methods used by marketing cloackers...
The problem these days is not about cloaking, the problem is that
Stripe is becoming aggressive like Paypal, fast ban for nothing, before you got paid if your account was banned, now bye bye your account and your money.
You have to cloack with a strong
payment processor no this s**t of stripe or paypal.